Strato that assumes that this is a free market type of situation.  Think Banks the industry is dominated by a few players and it is a heavily regulated industry whith much of the funding provided by the gov't.  Increased costs are passed along like any other business etc with less competition it is easier.  Think rental buildings rent increase are allowed based on increased costs.  That said, the bigger affect of the increased rates will be more on the 'new building' side!